BlastPoint's Credit Union Scorecard
BEE
Charter #9893 · MD
BEE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Delinquency rate 1.34% above tier average
- - Members Per Employee (MPE): Bottom 6.8% in tier
- - Net Charge-Off Rate: Bottom 7.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits +0.0% year over year ($6.2M in shares and deposits).
- Membership: 996 members, -1.8% vs a year ago.
- Delinquency rate 2.88%.
- Return on assets 0.11%.
- Efficiency ratio 82.15% vs a 88.77% peer average.
- Loan-to-share ratio 43.49% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
996
-1.8% YoY0% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$7.9M
+0.1% YoY+1.8% QoQ
|
$-22.4M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$2.7M
-11.0% YoY-3.1% QoQ
|
$-12.8M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$6.2M
+0.0% YoY+2.3% QoQ
|
$-19.6M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
0.1%
+11.9% YoY-131.0% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.7% in tier |
| NIM |
4.0%
-4.8% YoY-1.0% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
82.1%
+7.0% YoY-3.9% QoQ
|
-6.6% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
2.9%
-11.9% YoY+16.6% QoQ
|
+1.3 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.7% in tier |
| Loan To Share |
43.5%
-11.1% YoY-5.3% QoQ
|
-15.4% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$8,901
-1.8% YoY+0.6% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
12.7%
+80.1% YoY+14.0% QoQ
|
-11.8% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)